Companies like http://www.insuremytrip.com do the research for you and come up with per diem cost and coverage options for several companies. Big guys like Travel Guard International (www.travelguard.com) have been in the business a long time and are always upgrading their product.

And while travel insurance has evolved considerably in the last few years with lots of bells and whistles, you really need a policy that covers two basic events:
• Medical evacuation and transportation home if you’re injured or sick on the road.
• Trip cancellation or interruption because of the death or illness of the insured or a family member.
If you’ve paid big bucks for a cruise and a week before you sail, you get sick or get sick while at sea, you need a policy that gets you your money back, even if it’s just the unused portion of your travel.

We recommend buying Travel Insurance on a pay-as-you-go basis. You pay per trip, per length of time, age, and destination.
For the short bucks, Travel Insurance is a must.

How Much Does it Cost to Get back Home?
Domestic air medical evacuation averages $10,000 to $20,000, and internationally, it can exceed $75,000.

Enter Medjet Assist.
Not a Travel Insurance Company as such, MedjetAssist, (www.medjet.com) is private membership program providing emergency medical evacuation and repatriation services. Members, hospitalized more than 150 miles away from home get a medically equipped and staffed aircraft to pick them up and fly to the hospital of your choice — at no additional charge.
ks

Travel Factoid

Flying, driving or training — avoid Chicago!
The city has the dubious distinction of being the worst place to travel to or through during the holiday travel season among all other U.S cities.
ks